The BBB says all the payments should be made with a check or money order and directly to the insurance company.

"You want to get a receipt for any payment you've made and again, hopefully, that receipt is coming from the insurance company," said Hutchinson.

Hutchinson says before you choose an agent get references from family and friends, verify the agent's license with the state, check them out with the BBB and be wary of any insurance agent that pressures you into buying insurance or gives you a quote that seems too low.